From what I've seen, insurers here don't seem too picky about online vs. in-person—at least not enough to affect the discount noticeably. I went with an online course myself (cheaper and easier to fit into my schedule), and my insurer didn't bat an eye. But knowing insurance companies, your mileage may vary... probably worth a quick call to double-check before committing your time or money.
Went online myself for convenience—honestly, didn't notice a difference in savings versus my friend's in-person course. Insurer didn't seem to mind either way, but yeah, always best to double-check... they're unpredictable sometimes.
"Insurer didn't seem to mind either way, but yeah, always best to double-check... they're unpredictable sometimes."
You're spot on with that—insurance companies can be notoriously inconsistent. I've seen cases where online courses were perfectly fine, and others where insurers got picky about specific providers or course formats. It's smart that you double-checked; always better safe than sorry, especially when labeled high-risk. Sounds like you're doing everything right though, so hang in there... navigating these things can be tricky, but you're definitely on the right track.
"they're unpredictable sometimes."
Tell me about it... I once had an insurer who was fine with my online defensive driving course, then switched gears the next renewal and insisted on an in-person class. Did yours specify any particular providers or formats?
Honestly, I get the frustration, but insurers aren't always as unpredictable as people make them out to be. Usually, they're pretty clear about their terms—it's just that most of us don't read the fine print until it's too late. When mine switched up on me, I pushed back and asked directly why an online course was suddenly unacceptable. Turns out, they'd updated their policy months earlier and sent out a notice (which I admittedly ignored).
Instead of jumping through hoops with their preferred providers, I shopped around and found another insurer who accepted my online course without any hassle. Sometimes it's less about insurers being unpredictable and more about us needing to stay proactive and informed. If your insurer is giving you grief over formats or providers, maybe it's time to look elsewhere rather than bending over backwards to meet their arbitrary demands.
